commissioner breslin? >> yeah. so big picture. this flex funded plan doesn't seem to be doing very well. what's your take on that? >> so the stablization deficit actually presented for the first time as a result in 2014 experience, if i may, i'd like to lead you back to slide 8, which is information that evaluates how the stablization reserve or in this case, deficit, has carried from year to year since the blue shield program first became flex funded in -- at the start of 2013. so let me walking through this table and exhibit. as of 12-31-12 -- so the day before flex funding started, you know, zero stablization coming out of fully insured. the first year, there was favorablity in the plan, so that generated a reserve. however, in 2014, there was much higher experience in the plan than the rates that were set, and so you've cascaded unfavorable ability in the stablization reserve since that point in time. and so if you read across from columns a to column e, you know, we start with a stablization reserve or in the parentheses, a d